BBVA Success - Loan Analysis

Magdalena Bennett1

William Fuchs2

Jaime Millán3

November 18th, 2024

Introduction

  • Summary of administrative data for clients between 2018 and 2020.

  • Analysis includes loan amounts, assets, and surplus.

  • For each country-year, outliers have been removed:

    • We define an outlier as the top 1% in terms of amount.
  • Scatter plots correspond to bin scatter plots with 500 bins each.

Changes over time

Changes between 1st and 2nd loan

Colombia

Changes between 1st and 2nd loan - Colombia 2018 Changes between 1st and 2nd loan - Colombia 2019 Changes between 1st and 2nd loan - Colombia 2020

Panama

Changes between 1st and 2nd loan - Panama 2018 Changes between 1st and 2nd loan - Panama 2019 Changes between 1st and 2nd loan - Panama 2020

Peru

Changes between 1st and 2nd loan - Peru 2018 Changes between 1st and 2nd loan - Peru 2019 Changes between 1st and 2nd loan - Peru 2020

Dominican Republic

Changes between 1st and 2nd loan - Republica Dominicana 2018 Changes between 1st and 2nd loan - Republica Dominicana 2019 Changes between 1st and 2nd loan - Republica Dominicana 2020

Changes in assets between 1st and 2nd loan

Colombia

Changes in assets between 1st and 2nd loan - Colombia 2018 Changes in assets between 1st and 2nd loan - Colombia 2019 Changes in assets between 1st and 2nd loan - Colombia 2020

Panama

Changes in assets between 1st and 2nd loan - Panama 2018 Changes in assets between 1st and 2nd loan - Panama 2019 Changes in assets between 1st and 2nd loan - Panama 2020

Peru

Changes in assets between 1st and 2nd loan - Peru 2018 Changes in assets between 1st and 2nd loan - Peru 2019 Changes in assets between 1st and 2nd loan - Peru 2020

Dominican Republic

Changes in assets between 1st and 2nd loan - Republica Dominicana 2018 Changes in assets between 1st and 2nd loan - Republica Dominicana 2019 Changes in assets between 1st and 2nd loan - Republica Dominicana 2020

Changes in surplus between 1st and 2nd loan

Colombia

Changes in surplus between 1st and 2nd loan - Colombia 2018 Changes in surplus between 1st and 2nd loan - Colombia 2019 Changes in surplus between 1st and 2nd loan - Colombia 2020

Panama

Changes in surplus between 1st and 2nd loan - Panama 2018 Changes in surplus between 1st and 2nd loan - Panama 2019 Changes in surplus between 1st and 2nd loan - Panama 2020

Peru

Changes in surplus between 1st and 2nd loan - Peru 2018 Changes in surplus between 1st and 2nd loan - Peru 2019 Changes in surplus between 1st and 2nd loan - Peru 2020

Dominican Republic

Changes in surplus between 1st and 2nd loan - Republica Dominicana 2018 Changes in surplus between 1st and 2nd loan - Republica Dominicana 2019 Changes in surplus between 1st and 2nd loan - Republica Dominicana 2020

Average loan amount

Average loan amount by month - Colombia
Average loan amount by month - Colombia
Average loan amount by month - Panama
Average loan amount by month - Panama
Average loan amount by month - Peru
Average loan amount by month - Peru
Average loan amount by month - Republica Dominicana
Average loan amount by month - Republica Dominicana

Loan amounts vs frequency

Colombia

Cummulative frequency vs loan amount - Colombia 2018
Cummulative frequency vs loan amount - Colombia 2018
Cummulative frequency vs loan amount - Colombia 2019
Cummulative frequency vs loan amount - Colombia 2019
Cummulative frequency vs loan amount - Colombia 2020
Cummulative frequency vs loan amount - Colombia 2020

Panama

Cummulative frequency vs loan amount - Panama 2018
Cummulative frequency vs loan amount - Panama 2018
Cummulative frequency vs loan amount - Panama 2019
Cummulative frequency vs loan amount - Panama 2019
Cummulative frequency vs loan amount - Panama 2020
Cummulative frequency vs loan amount - Panama 2020

Peru

Cummulative frequency vs loan amount - Peru 2018
Cummulative frequency vs loan amount - Peru 2018
Cummulative frequency vs loan amount - Peru 2019
Cummulative frequency vs loan amount - Peru 2019
Cummulative frequency vs loan amount - Peru 2020
Cummulative frequency vs loan amount - Peru 2020

Dominican Republic

Cummulative frequency vs loan amount - Dominican Republic 2018
Cummulative frequency vs loan amount - Dominican Republic 2018
Cummulative frequency vs loan amount - Dominican Republic 2019
Cummulative frequency vs loan amount - Dominican Republic 2019
Cummulative frequency vs loan amount - Dominican Republic 2020
Cummulative frequency vs loan amount - Dominican Republic 2020

Self-reported measure of success vs admin data

Colombia

Correlation between self-reported sales and admin measures - Colombia
Measure Correlation
Diff. Loan 0.104
Diff. Assets -0.071
Diff. Surplus 0.070
Loan 0 amount vs self-reported sales growth - Colombia
Loan 0 amount vs self-reported sales growth - Colombia
Assets 0 amount vs self-reported sales growth - Colombia
Assets 0 amount vs self-reported sales growth - Colombia
Surplus 0 amount vs self-reported sales growth - Colombia
Surplus 0 amount vs self-reported sales growth - Colombia

Panama

Correlation between self-reported sales and admin measures - Panama
Measure Correlation
Diff. Loan 0.062
Diff. Assets -0.028
Diff. Surplus -0.120
Loan 0 amount vs self-reported sales growth - Panama
Loan 0 amount vs self-reported sales growth - Panama
Assets 0 amount vs self-reported sales growth - Panama
Assets 0 amount vs self-reported sales growth - Panama
Surplus 0 amount vs self-reported sales growth - Panama
Surplus 0 amount vs self-reported sales growth - Panama

Peru

Correlation between self-reported sales and admin measures - Peru
Measure Correlation
Diff. Loan 0.098
Diff. Assets 0.049
Diff. Surplus -0.082
Loan 0 amount vs self-reported sales growth - Peru
Loan 0 amount vs self-reported sales growth - Peru
Assets 0 amount vs self-reported sales growth - Peru
Assets 0 amount vs self-reported sales growth - Peru
Surplus 0 amount vs self-reported sales growth - Peru
Surplus 0 amount vs self-reported sales growth - Peru

Dominican Republic

Correlation between self-reported sales and admin measures - Dominican Republic
Measure Correlation
Diff. Loan 0.052
Diff. Assets 0.085
Diff. Surplus 0.066
Loan 0 amount vs self-reported sales growth - Dominican Republic
Loan 0 amount vs self-reported sales growth - Dominican Republic
Assets 0 amount vs self-reported sales growth - Dominican Republic
Assets 0 amount vs self-reported sales growth - Dominican Republic
Surplus 0 amount vs self-reported sales growth - Dominican Republic
Surplus 0 amount vs self-reported sales growth - Dominican Republic

  1. University of Texas at Austin, ↩︎

  2. University of Texas at Austin, ↩︎

  3. Universidad de Navarra, jmillan@…↩︎